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Shield Total Insurance

EXPERT ALLOTMENT ASSOCIATIONS INSURANCE

EXPERT ALLOTMENT ASSOCIATIONS INSURANCE Looking for great value insurance for your allotment association, club or society? Shield are proud to work alongside the leading representative body for the UK allotment community – The National Allotment Society – to bring you far-reaching insurance that is specifically designed for plot holders

EXPERT ALLOTMENT ASSOCIATIONS INSURANCE Specialist legal liability and contents cover that's down to earth. Shield can provide Public Liability, Employers’ Liability and much more, so you can trust Shield to meet your allotment insurance needs.

What Does Allotment Insurance Cover?

• The legal liabilities of the association, members of the association, employees
• f the association, trustees in their role of officials of the association and the

association’s landlords It Can Also Cover:

• Buildings and Equipment
• Cups and Trophies
• Abandoned Events and Loss of Money

Policy Benefits Can Include:

• Up to £10 million liability cover for liabilities of the association, club or society.
• Up to £10 million liability cover for its members and landlords in connection

with activities of the association, club or society. Members include: people

• fficially registered as a permanent member, invited judges, stewards and

any other person who is acting in an official capacity for the association, club

• r society.
• Up to £10 million employers’ liability cover for any legal liability for death,

injury or disease to employees. This includes volunteers and assistants.

Policy Benefits Can Include:

• Up to £250,000 compensation if you are the victim of negligence and have

been unable to re-coup your court award from the negligent person.

• Trustee indemnity up to £100,000 for an act, error or omission committed by a

trusted person arising solely from their duties on behalf of the association, club or society - performed on a “not-for-profit” basis.

• Cover for the loss of or damage to cups and trophies.

Policy Benefits Can Include:

• £50,000 cover (or more on request) for loss or damage to buildings and

equipment (including maintenance tools and self-propelled lawn mowers) that are owned, hired or used by the association, club or society.

• Abandoned events cover for meetings, functions, events, training sessions or

shows organised by the club, following the cancellation of an event due to circumstances beyond your control. Please refer to the policy wording for more details.

Policy Benefits Can Include:

• Loss of money cover when taking money to the bank or when it is temporarily

at the home of association, club or society officials.

https://www.shieldtotalinsurance.co.uk/allotment-insurance/

Why ALLOTMENT ASSOCIATIONS INSURANCE?

• Allotment holders and visitors expect associations to provide an environment

that is safe.

• You may consider you take great care to ensure your allotment is safe but

someone seeking compensation will argue this is not the case and courts can return unexpected verdicts. Even if you follow basic housekeeping rules such as logging inspections of common areas and removing hazards quickly a claimant may argue your reasonable action was too little or too late.

Claims Examples

Claim type Result Cost of claim Claimant hit by branch from a tree Claim in progress £85,000 Claimant tripped over step at clubhouse Claim in progress £50,000 Claimant slipped and sustained serious injury Liability accepted and claim paid £9,000 Damage to mains drainage in the course of ground works Liability accepted and claim paid £2,400

Here are some recent examples of liability claims received by us. As you can see, even where we have successfully defended the claim for

• ur clients, insurers pay defence

costs that cannot be recovered from the other person even though the injury was not our client’s fault.

Claims Examples

Claim type Result Cost of claim Damage allegedly caused by farm equipment on site Claim defended successfully £2,300 Defence costs Damage to a motor vehicle on site Liability accepted and claim paid £2,250 Stones thrown by mower caused damage Liability accepted and claim paid £2,180 Claimant allegedly slipped and broke leg Claim defended successfully £2,000 Defence costs

Here are some recent examples of liability claims received by us. As you can see, even where we have successfully defended the claim for

• ur clients, insurers pay defence

costs that cannot be recovered from the other person even though the injury was not our client’s fault.

Policy Documentation

• Key Facts
• Wording
• Terms and Conditions

https://www.shieldtotalinsurance.co.uk/documentation/# allotment-insurance A Cunning Plot To Save You Money

The benefit of joining the Leeds Allotment Federation Group of Insured Allotments

• Group Volume Discounts!
• Pay Less than dealing with Shield directly
• It’s easy to forget to get reinsured every year
• Less Admin for individual allotments

Shield Insurance love NAS Members Shield are proud to work alongside the leading representative body for the UK allotment community – The National Allotment Society – to bring you far-reaching insurance that is specifically designed for plot holders. Also, Join the National Allotment Society Today!

What does your Allotment need to do to join the LAF group of Insured Allotments?

• Complete a data collection form and return it to

groupinsurancecoordinator.ldgf@gmail.com by October 31st, 2019

• Write to the above address to obtain a form and information pack.